# Teya

Teya is an other based in London, United Kingdom.

## Overview

- **Organization type:** other
- **Headquarters:** London, United Kingdom
- **Region:** Europe
- **Address:** London, United Kingdom
- **Founded:** 2019
- **Assets under management:** Undisclosed
- **Website:** teya.com
- **LinkedIn:** https://www.linkedin.com/company/teyaio

## Regulatory record

- **Reports private funds:** No

## About

Join 75,000+ UK businesses using Teya. Card machines, business account and funding in one place. Easy setup, next-day payouts. See our offers today.

## Sectors

- FinTech
- Private Credit

## Questions

### How does Teya's Cash Advance product work, and how is it different from a traditional small-business loan?

Teya’s Cash Advance is repaid automatically as a fixed percentage of daily card machine sales, rather than through fixed monthly installments. This means repayment burden adjusts with a merchant’s revenue. Teya uses real-time transaction data from its own card terminals to underwrite and collect the advance, which eliminates the need for external credit bureau scores or manual payment reconciliation.

### Where does Teya operate, and what is its current scale?

Teya serves small businesses solely in the United Kingdom. The company’s own website reports more than 75,000 active members and over 609 million transactions processed during 2025. Cumulative Cash Advance funding provided to UK merchants exceeds £68 million.

### How does Teya hold and protect customer funds?

Funds held in the Teya Business Account are safeguarded in accordance with UK legal and regulatory obligations. Because the business account is an e-money account, it does not fall under the UK Financial Services Compensation Scheme (FSCS). Teya discloses this distinction on its website.

### What is Teya's revenue model?

Teya generates recurring membership fees tied to a merchant’s monthly card turnover, transaction-based processing revenue, and the interest or factor rate earned on its Cash Advance lending. The company also earns interchange-like revenue through the cashback card linked to its business account.

## Related profiles

- [Caribou](https://altss.com/profile/caribou)

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Last updated: 2026-06-03T20:00:00.000Z

Canonical page: https://altss.com/profile/teya

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